When can you inherit a funded pension?
Posted: Mon Feb 17, 2025 4:28 am
for citizens born in 1967 and later, if their employers paid insurance contributions to finance funded pensions before 2014. Since 2014, in accordance with changes in legislation, insurance contributions have been directed to the insurance pension;
for men born in 1953–1966 and women born in 1957–1966, for whom employers paid insurance contributions for the funded portion of the labor pension between 2002 and 2004. Since 2005, these contributions have been discontinued due to changes in legislation;
for citizens paying additional insurance contributions for funded pensions, including participants in the state co-financing of pensions program;
for those who used maternal (family) capital funds to form pension savings.
Inheritance of the funded portion of the pension is possible if there is at least some of it left. If the deceased citizen managed to receive the savings in a single payment, then there will be nothing to inherit.
Pension savings can be received if:
the payment for the funded pension was assigned by the oman mobile database pension fund, but the deceased did not have time to receive it;
The deceased received part of the funded pension in the form of an urgent pension payment.
At the same time, receiving the funded portion of the pension has no relation to issues of receiving insurance compensation in connection with death, compensation for funeral expenses as required by law, and other one-time payments for burial.
Who can inherit pension savings?
A citizen can determine his legal successors in advance and distribute his accumulated funds among them in the event of death. To determine the legal successors, you need to submit an application to the SFR (or to the NPF, if the savings are located there), where you list all the heirs and their shares.
If there is no such statement, then the following relatives are considered successors:
first of all, children, including adopted children, spouse and parents (adoptive parents);
secondly, brothers, sisters, grandfathers and grandchildren.
In this case, payments are made in equal shares and in order of priority - that is, if there are no first-order heirs, then the second-order heirs will receive payments.
If a citizen was granted an indefinite (i.e. lifelong) payment of a funded pension, in the event of his death, the pension savings will not be paid to his legal successors.
How can heirs receive the pension savings of a deceased relative?
Photo - © Freepik, katemangosta
To receive savings, you need to know exactly whether the deceased relative has a funded pension and where it is located. This information will be provided to the SFR upon application.
If your pension savings are in the SFR, you can also apply for payments there. You can also apply for payment of savings through "Gosuslugi". If your savings are in the NPF, you should apply there, to the territorial body at your place of residence.
This must be done within six months from the date of death. Otherwise, you will have to receive payments through the court and prove that the deadlines were missed for a valid reason.
It is necessary to present a passport, a death certificate of a relative, the SNILS of the deceased, documents confirming kinship, for example, a birth certificate or marriage certificate. You may also need a certificate from the place of residence, if this information is not in the passport; documents confirming cohabitation in the same apartment, for example, an extract from the management company; a court decision, if the deadlines have been missed.
The decision on payment of funds to the successors is made on the seventh month after the death of the insured person. Payment of funds is made on the eighth month after the death of the insured person in the manner specified by the successor in the application for payment. The SFR sends a copy of the decision on payment or refusal to pay to the successor no later than five working days after the decision is made. If necessary, before the decision is made, the successor will be sent a notice of the provision of missing documents.
for men born in 1953–1966 and women born in 1957–1966, for whom employers paid insurance contributions for the funded portion of the labor pension between 2002 and 2004. Since 2005, these contributions have been discontinued due to changes in legislation;
for citizens paying additional insurance contributions for funded pensions, including participants in the state co-financing of pensions program;
for those who used maternal (family) capital funds to form pension savings.
Inheritance of the funded portion of the pension is possible if there is at least some of it left. If the deceased citizen managed to receive the savings in a single payment, then there will be nothing to inherit.
Pension savings can be received if:
the payment for the funded pension was assigned by the oman mobile database pension fund, but the deceased did not have time to receive it;
The deceased received part of the funded pension in the form of an urgent pension payment.
At the same time, receiving the funded portion of the pension has no relation to issues of receiving insurance compensation in connection with death, compensation for funeral expenses as required by law, and other one-time payments for burial.
Who can inherit pension savings?
A citizen can determine his legal successors in advance and distribute his accumulated funds among them in the event of death. To determine the legal successors, you need to submit an application to the SFR (or to the NPF, if the savings are located there), where you list all the heirs and their shares.
If there is no such statement, then the following relatives are considered successors:
first of all, children, including adopted children, spouse and parents (adoptive parents);
secondly, brothers, sisters, grandfathers and grandchildren.
In this case, payments are made in equal shares and in order of priority - that is, if there are no first-order heirs, then the second-order heirs will receive payments.
If a citizen was granted an indefinite (i.e. lifelong) payment of a funded pension, in the event of his death, the pension savings will not be paid to his legal successors.
How can heirs receive the pension savings of a deceased relative?
Photo - © Freepik, katemangosta
To receive savings, you need to know exactly whether the deceased relative has a funded pension and where it is located. This information will be provided to the SFR upon application.
If your pension savings are in the SFR, you can also apply for payments there. You can also apply for payment of savings through "Gosuslugi". If your savings are in the NPF, you should apply there, to the territorial body at your place of residence.
This must be done within six months from the date of death. Otherwise, you will have to receive payments through the court and prove that the deadlines were missed for a valid reason.
It is necessary to present a passport, a death certificate of a relative, the SNILS of the deceased, documents confirming kinship, for example, a birth certificate or marriage certificate. You may also need a certificate from the place of residence, if this information is not in the passport; documents confirming cohabitation in the same apartment, for example, an extract from the management company; a court decision, if the deadlines have been missed.
The decision on payment of funds to the successors is made on the seventh month after the death of the insured person. Payment of funds is made on the eighth month after the death of the insured person in the manner specified by the successor in the application for payment. The SFR sends a copy of the decision on payment or refusal to pay to the successor no later than five working days after the decision is made. If necessary, before the decision is made, the successor will be sent a notice of the provision of missing documents.